QDAP (Retirement)
Qualifying Deferred Annuity Policy (QDAP) satisfies the Insurance Authority (IA)’s criteria on premium, payment period, annuity income period and disclosures. The policyholder of QDAP can enjoy tax deductions on the premium paid. 10Life rates the products based on mainly the returns and income period, assuming the policyholder starts paying premium at age 45 for retirement planning purpose.
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BOC Life | BOC Life Deferred Annuity (Lifetime)
10-year premium termAge 60 to whole lifeQDAP
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.0%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.9%
Projected Internal Rate of Return for death at age 85
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 100QDAP
9.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.1%
Projected Internal Rate of Return for death at age 85
Chubb | Chubb FlexiLiving Deferred Annuity Plan
10-year premium termAge 65 - 100QDAP
9.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.1%
Projected Internal Rate of Return for death at age 85
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 85QDAP
8.2/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.0%
Projected Internal Rate of Return for death at age 85
FTLife | Prosperous Deferred Annuity Plan
9-year premium termAge 65 - 95QDAP
8.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.1%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.6%
Projected Internal Rate of Return for death at age 85
YF Life | MY Deferred Annuity
10-year premium termAge 65 - 85QDAP
7.9/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.1%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.7%
Projected Internal Rate of Return for death at age 85
FTLife | Prosperous Deferred Annuity Plan
9-year premium termAge 65 - 85QDAP
7.5/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 1.9%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.7%
Projected Internal Rate of Return for death at age 85
Manulife | ManuLeisure Deferred Annuity
10-year premium termAge 65 - 85QDAP
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 1.7%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.2%
Projected Internal Rate of Return for death at age 85
Prudential | PRURetirement Deferred Annuity
10-year premium termAge 70 - 90QDAP
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 1.9%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.7%
Projected Internal Rate of Return for death at age 85
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 75QDAP
7.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.3%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.8%
Projected Internal Rate of Return for death at age 85
QDAP (Retirement)
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
BOC Life | BOC Life Deferred Annuity (Lifetime)
10-year premium termAge 60 to whole lifeQDAP
Guaranteed IRR at age 85 : 2.0%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.9%
Projected Internal Rate of Return for death at age 85
9.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 100QDAP
Guaranteed IRR at age 85 : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.1%
Projected Internal Rate of Return for death at age 85
9.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Chubb | Chubb FlexiLiving Deferred Annuity Plan
10-year premium termAge 65 - 100QDAP
Guaranteed IRR at age 85 : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.1%
Projected Internal Rate of Return for death at age 85
8.2/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 85QDAP
Guaranteed IRR at age 85 : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.0%
Projected Internal Rate of Return for death at age 85
8.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
FTLife | Prosperous Deferred Annuity Plan
9-year premium termAge 65 - 95QDAP
Guaranteed IRR at age 85 : 2.1%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.6%
Projected Internal Rate of Return for death at age 85
7.9/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
YF Life | MY Deferred Annuity
10-year premium termAge 65 - 85QDAP
Guaranteed IRR at age 85 : 2.1%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.7%
Projected Internal Rate of Return for death at age 85
7.5/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
FTLife | Prosperous Deferred Annuity Plan
9-year premium termAge 65 - 85QDAP
Guaranteed IRR at age 85 : 1.9%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.7%
Projected Internal Rate of Return for death at age 85
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Manulife | ManuLeisure Deferred Annuity
10-year premium termAge 65 - 85QDAP
Guaranteed IRR at age 85 : 1.7%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.2%
Projected Internal Rate of Return for death at age 85
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Prudential | PRURetirement Deferred Annuity
10-year premium termAge 70 - 90QDAP
Guaranteed IRR at age 85 : 1.9%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.7%
Projected Internal Rate of Return for death at age 85
7.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Sun Life | Foresight Deferred Annuity Plan
10-year premium termAge 65 - 75QDAP
Guaranteed IRR at age 85 : 2.3%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.8%
Projected Internal Rate of Return for death at age 85
Remarks:

  1. The above premium excludes insurance levy collected by the Insurance Authority.
  2. 10Life obtains public product information from different sources and applies assumptions and mathematical calculations to arrive at the product scores. All information is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice. 10Life hereby excludes any liability arising from using the information, and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent advice before purchasing any insurance products.

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